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    <title>ASSET QUALITY OF SCHEDULED COMMERCIAL BANKS (SCBs) WITNESSES SIGNIFICANT IMPROVEMENT, RECOVERY RATE IN NPAs APPROXIMATELY DOUBLES FROM 13.2 PER CENT IN FY18 TO 26.2 PER CENT IN FY 25</title>
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    <description>Scheduled Commercial Banks show materially improved asset quality with CRAR at 17.2% and NPA recovery rising from 13.2% (FY18) to 26.2% (FY25); strengthened recoveries under the Insolvency and Bankruptcy Code accompany budget and regulatory measures - including guarantee support, MSME credit cards, a digital Credit Assessment Model, RRB consolidation and unified IT platforms - and RBI actions such as a regulatory review cell and principle based Free AI guidance to support supervised innovation.</description>
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      <description>Scheduled Commercial Banks show materially improved asset quality with CRAR at 17.2% and NPA recovery rising from 13.2% (FY18) to 26.2% (FY25); strengthened recoveries under the Insolvency and Bankruptcy Code accompany budget and regulatory measures - including guarantee support, MSME credit cards, a digital Credit Assessment Model, RRB consolidation and unified IT platforms - and RBI actions such as a regulatory review cell and principle based Free AI guidance to support supervised innovation.</description>
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